:root {
  --charcoal: #212121;
  --red: #d42424;
  --red-dark: #a81818;
  --grey: #f4f4f4;
  --rule: #dcdcdc;
  --text: #212121;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background: #fff;
  color: var(--text);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 1.0625rem;
  line-height: 1.6;
}

a {
  color: var(--red);
  text-decoration: underline;
  text-underline-offset: 0.15em;
}

a:hover {
  color: var(--red-dark);
}

a:focus-visible {
  outline: 3px solid var(--charcoal);
  outline-offset: 2px;
}

.wrap {
  max-width: 52rem;
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* Header */
.site-header {
  border-bottom: 1px solid var(--rule);
  padding: 1rem 0;
}

.site-header img {
  display: block;
  width: 15.5rem;
  max-width: 70%;
  height: auto;
}

/* Title band */
.title-band {
  background: var(--charcoal);
  color: #fff;
  padding: 2.25rem 0;
}

.title-band h1 {
  margin: 0;
  font-size: 2rem;
  line-height: 1.2;
}

.posted {
  margin: 0.5rem 0 0;
  color: #d9d9d9;
  font-size: 0.9375rem;
}

/* Content */
main {
  padding: 2rem 0 3rem;
}

h2 {
  margin: 2.25rem 0 0.75rem;
  padding-bottom: 0.4rem;
  border-bottom: 3px solid var(--red);
  font-size: 1.5rem;
  line-height: 1.25;
}

h3 {
  margin: 1.75rem 0 0.5rem;
  font-size: 1.1875rem;
}

p {
  margin: 0 0 1rem;
}

ul {
  margin: 0 0 1rem;
  padding-left: 1.5rem;
}

li {
  margin-bottom: 0.35rem;
}

.callout {
  margin: 0 0 2rem;
  padding: 1.25rem 1.5rem;
  background: var(--grey);
  border-left: 5px solid var(--red);
}

.callout p:last-child {
  margin-bottom: 0;
}

.button {
  display: inline-block;
  padding: 0.7rem 1.5rem;
  border-radius: 2rem;
  background: var(--red);
  color: #fff;
  font-weight: bold;
  text-decoration: none;
}

.button:hover {
  background: var(--red-dark);
  color: #fff;
}

/* Credit bureau cards */
.bureaus {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr));
  gap: 1rem;
  margin: 1rem 0 1.5rem;
}

.bureau {
  padding: 1rem 1.25rem;
  background: var(--grey);
}

.bureau h4 {
  margin: 0 0 0.75rem;
  font-size: 1.125rem;
}

.bureau dl {
  margin: 0;
}

.bureau dt {
  margin-top: 0.75rem;
  font-size: 0.875rem;
  font-weight: bold;
}

.bureau dd {
  margin: 0;
  overflow-wrap: anywhere;
}

/* Footer */
.site-footer {
  padding: 1.5rem 0 2rem;
  border-top: 1px solid var(--rule);
  font-size: 0.9375rem;
}

.site-footer p {
  margin: 0;
}

/* Review-only elements (removed at go-live) */
.review-banner {
  padding: 0.6rem 1.25rem;
  background: #ffe36e;
  color: #212121;
  font-size: 0.9375rem;
  font-weight: bold;
  text-align: center;
}

.todo {
  padding: 0 0.25em;
  background: #fff3a3;
  color: #212121;
  outline: 1px dashed #8a6d00;
  font-weight: bold;
}

@media (max-width: 40rem) {
  body {
    font-size: 1rem;
  }

  .title-band {
    padding: 1.75rem 0;
  }

  .title-band h1 {
    font-size: 1.625rem;
  }

  h2 {
    font-size: 1.3125rem;
  }
}

@media print {
  .review-banner,
  .button {
    display: none;
  }

  .title-band {
    background: none;
    color: #000;
    padding: 1rem 0 0;
  }

  .posted {
    color: #000;
  }

  .callout,
  .bureau {
    background: none;
    border: 1px solid #999;
  }

  a {
    color: #000;
  }
}